The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,186
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,125
−HK$954/mo
Today · 4.125%
HK$32,079
baseline
▲ 0.50% · 4.625%
HK$34,031
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,158/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,581
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,482
−HK$914/mo
Today · 4.125%
HK$35,396
baseline
▲ 0.50% · 4.625%
HK$37,261
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,792/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,223
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,350
−HK$1,144/mo
Today · 4.125%
HK$38,494
baseline
▲ 0.50% · 4.625%
HK$40,837
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$76,988/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,298
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,378
−HK$1,097/mo
Today · 4.125%
HK$42,475
baseline
▲ 0.50% · 4.625%
HK$44,714
+HK$2,239/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,950/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,260
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,575
−HK$1,335/mo
Today · 4.125%
HK$44,910
baseline
▲ 0.50% · 4.625%
HK$47,643
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,820/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,014
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,275
−HK$1,279/mo
Today · 4.125%
HK$49,554
baseline
▲ 0.50% · 4.625%
HK$52,166
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,108/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,334
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,024
−HK$1,717/mo
Today · 4.125%
HK$57,741
baseline
▲ 0.50% · 4.625%
HK$61,255
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,482/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,446
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,067
−HK$1,645/mo
Today · 4.125%
HK$63,712
baseline
▲ 0.50% · 4.625%
HK$67,070
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,424/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,420 · Scale 2, in force from 26 Feb 2026)